Best mountain bike insurance: keep yourself and your steed safe and covered

Always be prepared, with the best insurance policies for your mountain bike

The E-Caliber mountain bike being ridden through a river

Best mountain bike insurance: US

Best mountain bike insurance: uk.

Most mountain bikers just cover their bikes under their home insurance policy. That’s a bit like wearing half a bike helmet. It might be fine, but it probaby won’t be. To prevent your pride and joy from becoming nothing more than a distant memory, taking out a policy with one of the best mountain bike insurance providers is a seriously worthwhile investment. This is especially true if you travel with your best mountain bike and race throughout the season.

Dedicated bike insurers — and a handful of honorable generalists — not only cover your bikes to rather more realistic levels of value, they also include more real-world coverage, like cover away from your home, on your roof rack, or when mountain bike racing , and often include nice touches like emergency pickup if you get stranded miles from home with a bike failure.

This article looks at some of the best mountain bike insurance you can get, to cover both your bike(s) and yourself. For each insurer, we separate out the package that’d be best for general mountain biking, and what you’d need to add on for travel or racing.

The devil really is in the details when it comes to insurance. Most of the companies we’ve listed here are highly rated for customer service and staffed by bike experts, but even the loveliest claims handler won’t be able to pay out if you haven’t met the terms of your policy. We list out things to check for below, including the grade of best MTB bike locks you need, where you can store your bike overnight, and whether it needs to be locked when you store it inside.

Policies and underwriters do change — as former cyclists' favorite PedalCover has done —  so be sure to check for things that are important to you, before you buy. All the ones we’ve listed are specialists, though we’re currently hearing good things about Barclays and Halifax in the UK as well, so do phone around. 

High prices don’t always correlate with good service, though decent comprehensive cover rarely comes cheap. Often you can expect to pay five to ten percent of the value of your main bike, or £100-300 for a mid-range MTB.

What to look for when it comes to mountain bike insurance

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  • Does the insurer pay for a new replacement, or your bike’s secondhand value? All the insurers we’ve listed below pay new value, though some have a cap on bike age.
  • Is compensation in cash or via ‘preferred retailers’?
  • Keep your receipts for everything, including your bike locks, upgrades, etc., and keep your replacement valuations up to date
  • Where can you store your bike overnight? Is your shed excluded? Do you need to lock it within your garage?
  • What kind of lock do you need? Most insurers specify bronze, silver or gold certified locks depending on the value of your bike 
  • What’s limited? E.g. must a recovery service be within 30 miles, and limited to three times a year?
  • What’s excluded? E.g. e-bikes may be specifically excluded. 
  • Even if terms like ‘racing cover’ seem obvious, check what the insurer actually means. For some it means you’re covered for damage, injury and liability at races; for others like Cycleguard it also extends to recovering costs if you’re injured and can’t go. 

All of the following providers tend to get good ratings from cyclists.

Velosurance

Specifications, reasons to buy.

Insurance in the US is complicated and there are a lot of different ways you might find some form of coverage. What is hardest to find is coverage for a bike that makes sense to a cyclist. That's where Velosurance comes in. They simply understand what a bike might mean in a way that many US insurance options don't.

Best package for general mountain biking 

Velosurance is all about covering your bike in the way that people use bikes. You set the value of the bike, including upgrades, as part of the policy and once it's agreed to that is what's available for payout. You'll only need to add to the standard policy if you need coverage beyond covering the bike. 

Best package for traveling and racing

"Racing, even as a pro, is accepted as normal use of your bicycle and is covered" without needing to make any special changes to the policy. That coverage only applies in the US and Canada though. It does cover transportation by land and air but once you head out of those two countries, you'd need to purchase the Worldwide Physical Damage Coverage Extension.

Sundays is a cycle insurance specialist that has two package options — one for cyclists and one for their bikes — you can combine them as you wish. It focuses on fast resolution of claims, and one nice bonus is that it doesn’t increase your premium when you claim. It uses the same underwriter as Wiggle, so you’ll spot some similarities (e.g. the not-enormous injury cover) but some differences (e.g. Wiggle includes taxi recovery).

Sundays’ core package covers mountain biking and e-bikes, and includes familiar and useful elements such as kit and wheelsets, and accidental damage on roof racks.

You can add optional travel cover and optional racing cover to your policy, and if you’re racing, you probably want to have both ‘cyclist’ and ‘bicycle’ cover (note that racing cover excludes riding in a peloton).

Other types of insurance 

USA Cycling membership doesn't cover your bike but it does help fill in health insurance coverage gaps during events. It's there as "supplemental accident medical coverage" and "will pay 70% of the Reasonable and Customary remaining expenses ABOVE the deductible, up to a limit of $25,000." 

Yellow Jersey

As the official supplier to the British Triathlon Federation, Ride London, and Cycling UK, Yellow Jersey is very much angled to what serious cyclists need. At renewal, it gives you a 25 percent discount, even if you’ve claimed before, and a single policy can be used for up to £50,000 bike value. Its liability insurance even covers you on hire bikes.

Essentials covers theft, personal injury, accidental damage and public liability. It also includes family cover and some multi-bike discount, but no travel cover or event cover.

Ultimate, which includes racing worldwide travel, crash damage, damage to bike boxes and theft from transition areas. It also includes a 60 percent multi-bike discount and taxis home (in the UK) if you have bike trouble 

British Cycling’s insurer of choice, Bikmo prides itself on being run by cyclists.

If you already have medical and personal accident cover, the basic ‘Go’ cover works well, with year-round worldwide cover, theft and accidental damage, bike box cover, 24/7 cycle hangar parking, excess-free replacement via local retailers, and 50 percent multi-bike discount. It even includes race fee cover. If you need the medical cover and personal liability, upgrade to the mid-level Plus cover.

The Race package adds road, crit and circuit racing, but if you’re only racing off-road, then the Plus cover would be all you need, especially as it includes travel.

Velosure is a warmly rated cycle specialist that gives flexibility to customize your own package, and a detailed and transparent website.

Velosure’s core bike package covers a lot of the things that are added extras on other policies, including racing, European cover, and replacement cycle hire. 24/7 cycle rescue, triage, physio, and initial legal advice add to the list

Racing and European cover is covered on the core package; worldwide cover is an optional extra. (Racing, travel, and other features are optional extras on e-bike cover)

Pedalsure is super-flexible on the amount of cover you can choose, so it's worth a look if you are after higher than normal coverage, for instance. You get a free Hiplok D-lock with higher-value policies and a maximum individual bike cover of £15,000.

Your insurance package is tailored as you submit it, so as you fill in your online form it asks how much cover you want for accessories (£250-£1,000), whether you’ll be racing, and so on.

You can also choose from three optional levels of personal injury cover (up to £1,000 physio cover, £1,250 dental cover and £50,000 personal accident cover and three levels of loss of earnings cover (£750 a week costs about £85 a year).

If you’re racing you’d click ‘hell yeah’ on the racing question (really), and if you need cover abroad, you’d pick 'racing overseas' as an optional extra

Cycleguard is a long-established and straightforward bike insurance specialist.

Cycleguard’s core package is a solid one, with accessories covered up to £3,500 and injury cover extending to £25,000. Note that legal cover and personal injury cover are optional extras, and this is clear when you fill in the form for a quote. Be sure to check which elements are optional extras when you speak to them, though.

The basic package includes 30 days’ cover in the EU; you can add global cover as an extra. For racing, add the Race and Compete cover option, which lets you recoup race fees, travel, and accommodation if you are injured and can’t make the start line, and things lost in the transition area. 

Wiggle, the hassle-free sports retail behemoth, now provides bike insurance. As well as bike cover, its policies include unlimited accessories and kit insurance – just list what you have. It will also cover bikes stored in your car, as well as those secured to the roof rack.

Essential includes (limited) emergency medical treatment cover, theft, and accident damage.

Elite adds global travel cover, races and sportives, and bonuses such as taxi fare reimbursement and replacement cycle hire.

Cycling UK membership for £48 a year gives you third-party liability insurance and expert cycling legal assistance, and discounts on bike insurance with Yellow Jersey and Pedal Cover. 

British Cycling offers similar liability insurance, legal support, and insurance discounts, plus the option of liability insurance and legal support for racers. 

Sportscover Direct is worth considering as an addition if your current bike insurance meets most of your needs but excludes something specific, like overseas competitions, or jumps. Fun fact: it can also cover you for ‘medieval combat with steel weapons’ if you need them to. Bicycle jousting, anyone? 

Sean Fishpool

Sean has old school cycle touring in his blood, with a coast to coast USA ride and a number of month-long European tours in his very relaxed palmares. Also an enthusiastic midpack club cyclocross and XC racer, he loves his role as a junior cycle coach on the Kent/Sussex borders, and likes to squeeze in a one-day unsupported 100-miler on the South Downs Way at least once a year. Triathlon and adventure racing fit into his meandering cycling past, as does clattering around the Peak District on a rigid Stumpjumper back in the day.

Height: 173cm

Weight: 65kg

Rides: Specialized Chisel Comp; Canyon Inflite CF SLX; Canyon Aeroad; Roberts custom road bike

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Mountain bike travel insurance.

Are you planning a mountain biking trip? Whether you’re a seasoned pro or a beginner, it’s important to consider the risks involved in this exhilarating sport. While accidents are never planned, they can and do happen. That’s why having the right mountain bike travel insurance is essential for protecting yourself, your bike, and your investment. Discover everything you need to know about mountain bike travel insurance in this comprehensive guide.

What is Mountain Bike Travel Insurance?

Mountain Bike Travel Insurance

Mountain bike travel insurance is a type of adventure travel insurance designed specifically for riders. It provides protection against accidents, theft, and damage to your bike and personal belongings while you’re on a mountain biking trip. Depending on the policy, it may also cover emergency medical evacuation and repatriation, trip cancellations or interruptions, and more.

Why Do You Need Mountain Bike Travel Insurance?

Mountain Bike Accident

Mountain biking is an inherently risky sport that can lead to serious injuries or even death. Injuries from mountain biking are some of the most common medical emergencies experienced by adventure sports enthusiasts. Mountain bike travel insurance provides an extra layer of protection so that you can enjoy your trip with peace of mind.

In addition to protecting yourself, mountain bike travel insurance also covers your equipment. Mountain bikes are expensive investments, and repairing or replacing them can be costly. With mountain bike travel insurance, you can claim compensation for damage or theft of your bike and other equipment, such as helmets and clothing.

How to Choose the Right Mountain Bike Travel Insurance Policy?

Choosing Travel Insurance

When it comes to choosing the right mountain bike travel insurance policy, there are a few things to consider. First, make sure the policy covers the type of riding you’ll be doing, as some policies only cover certain types of terrain or levels of difficulty. Second, check the policy’s limits and excesses to ensure they meet your needs. Third, read the fine print to see what is and isn’t covered, as well as any exclusions or limitations. Finally, compare the cost and benefits of different policies to find the best fit for your budget and needs.

Mountain biking is an exciting and challenging sport that requires preparation and caution. By investing in mountain bike travel insurance, you can protect yourself, your bike, and your investment. Make sure to choose the right policy for your needs, read the fine print, and compare prices to find the best fit for your budget. With proper insurance coverage, you can ride with confidence and enjoy your trip to the fullest.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, mountain biking travel insurance.

  • Unlimited medical emergency expenses¹
  • Up to £10K cancellation cover
  • 24/7 emergency medical helpline

travel insurance with mountain bike cover

Covered 27 million+ travellers

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Mountain biking travel insurance

Mountain biking can be a very fun activity, especially when you’re on holiday, but it’s important to make sure that you’re adequately covered. Whether you’re new to mountain biking or a seasoned participant, you can be rest assured knowing that your mountain biking travel insurance won’t be something to worry about.

Our travel insurance policies all come with automatic cover for  over 50 sports and activities  including insurance for surfing,  jet skiing  and even basic  scuba diving ! Mountain biking is included in all our policies free of charge, but it’s important to note that if you’re going to be downhill racing or riding over extreme ground conditions, you’ll need to purchase additional cover for  adventure and extreme sports .

As always terms and conditions apply, so check the  policy wording  for full details of these and the other activities we cover.

Why do you need travel insurance for mountain biking?

While incredibly fun, mountain biking can also be a risky activity. Having faulty brakes, or just being unlucky and having your wheels give way, could lead to an injury and you may need medical attention while abroad. It’s important to think about having a travel insurance policy which will cover you in the event of an accident or injury. We’ll have you covered!

What is included with mountain biking insurance?

As mountain biking falls under all our policies as one of  50 amazing adventure sports and activities , you’ll be able to ride happy knowing that you’re covered for: 

  • Medical expenses and hospital benefit
  • Personal accident and liability
  • Cancelling and cutting short your holiday
  • Abandoning your trip
  • Delayed departure
  • Accommodation cover
  • Personal belongings and baggage
  • Personal money, passport and travel documents
  • Legal expenses

Please note that while mountain biking can be covered by our policies, you won’t be covered if this is the main purpose of your trip.

Will my mountain bike be insured?

While mountain biking is automatically covered under all our policies, equipment can be expensive, so if you’re travelling with yours it’s important that it’s fully insured.  All our policies include cover for valuables, including sports equipment, so make sure you choose the right level of cover for your needs. If your mountain bike means a lot to you, you can even add extended valuables cover to your policy, which covers up to £1,000 per item – see our  policy wordings  for more details.

Mountain biking safety tips

Don’t let an accident on the first day ruin the whole week; remember a few simple tips and ensure a great time mountain biking.

  • Always make sure equipment is fully functional
  • Wear appropriate clothing and safety equipment
  • Choose the right travel insurance policy for you,  get a quote online  or read our  policy documents  for more information on our travel insurance for mountain biking.

  Please note: ‘Mountain biking travel insurance’ is a general term for cover included within our standard travel insurance. We don’t offer specialist insurance cover for this specific activity.

  • Unlimited emergency medical expenses available on Black level policies.
  • Based on 2,050 responses, correct as of 22/01/2024

travel insurance with mountain bike cover

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Mountain bike travel insurance

Mountain bike travel insurance is a must-have if mountain biking is the primary purpose of your holiday or trip, especially if you’re taking part in a timed event.

Typical travel insurance excludes anything other than leisure riding. If you’re shredding trails in Morzine, you need specialist mountain bike travel insurance to cover the costs of medical mishaps.

Our MTB holiday insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains. The policy also has generous cancellation and Covid covers as standard.

Mountain bike travel insurance reviews

Mountain bike travel insurance

Travel insurance for mountain biking holidays

If you plan a mountain biking holiday, you must have sufficient travel insurance for cycling.

Pedal Cover travel insurance will cover medical mishaps and emergencies on your cycling holiday, along with essential covers like cancelled trips, lost luggage and holiday money. 

We cover all forms of mountain biking as standard, including downhill and enduro, and essential mountain biking cover, such as emergency mountain rescue, if you are severely injured on a trail.

Please be aware bikes are not covered by our travel insurance. You can find more information on how to cover your bikes here .

Looking to cover your bikes?

What activities does mountain bike holiday insurance cover?

If you’re riding mountain bikes overseas, particularly if you’re heading to MTB resorts in the Alps or North America, a “high street” travel insurance is almost certainly unsuitable. along with full cover while mountain biking, we also cover:

Cycling disciplines A-L

  • BMX Racing (recognised track only)
  • Criterium Racing
  • Cycle Touring / Bike Packing
  • Downhill Mountain Biking (incl. racing)
  • Gravel Riding
  • Leisure Cycling

Cycling disciplines M-T

  • Mountain Biking (all mountain, enduro, freeride, slopestyle, speed & style, cross country, four-cross, marathon, pump track, and trail riding)
  • Multi-stage / Ultra Endurance Cycling Events (e.g. RAAM/ Haute Route/ Transcontinental)
  • Road Cycling (charity events, gran fondo, road racing, sportives, time trials and training holidays)
  • Track Cycling
  • Triathlon / Duathlon / Aquabike (half ironman distance, ironman distance, olympic distance, sprint distance and training holidays)

Our mountain bike travel insurance cover explained

Our travel insurance covers everything you’d expect from a premium travel policy and other benefits unique to a mtb travel insurance provider—Below is a summary. Before buying any insurance policy, you should read the policy wording and understand the requirements and limits of cover.

Emergency Medical Expenses

Covering medical mishaps while mountain biking is crucial and is the primary feature of our mtb holiday insurance. It is also frequently missing from standard travel insurance policies. We cover the costs of emergency medical care to £10 million. The cover includes mountain rescue and heli-rescue if you are injured riding in the mountains.

Our travel insurance policies include cover for Covid 19, emergency medical care, and other expenses such as cancellation and curtailment related to COVID 19.

We have a separate section below explaining the cover; click  here .

Cancellation, Curtailment

We will cover up to £5,000 for your travel and accommodation costs if you have to cancel your cycling holiday due to unforeseen illness or injury. Unlike standard travel insurance, our cycle holiday insurance also covers you for withdrawing due to an injury that prevents you from cycling on the trip, even if you could fly.

Do you need bike cover?

Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance , or we offer a no strings attached rolling monthly cycle insurance.

Cycling Specific Covers

We cover repatriation for your bike if you have to return home in an emergency. Bike hire if your bike fails to arrive or is stolen, and cover for your race fee if you have to withdraw or the event is cancelled due to bad weather. All these are included as standard on our mtb travel policies.

Cycling Liability Insurance

If you damage somebody’s property or injure another rider while cycling, you could find yourself liable for damages. Every Pedal Cover travel product includes £2 million public liability cover while cycling on a trip, including in races.

Multi or Single Trip

Whether you want a one-off policy for a cycling trip or a multi-trip policy for the whole year, we can put together a package to suit you.

Racing and Training

Some travel insurance policies include limited cover for cycling. You should check the small print; there are usually severe exclusions, particularly for racing or serious training. We can cover you for a family cycling holiday, training camp, during events such as Mallorca 312 or even downhill mountain biking.

Winter Sports Cover

Cancellation, medical expenses and repatriation are all covered as standard for winter activities for up to 17 days a year on our annual package. You get benefits like loss or damage to ski equipment, lost ski passes, avalanche cover or resort closure.

Repatriation

If you injure yourself cycling abroad, our cycle travel insurance will cover mountain rescue and heli-rescue if you are injured riding in the mountains, and if necessary, we’ll cover the costs of repatriating you back to the UK.

Baggage & Money

We include cover up to £250 for lost or delayed baggage, up to £500 for holiday money, and up to £5,000 for valuables (which includes cycling clothing, helmets and shoes).

We cover cycling gadgets, for example, your Garmin, Wahoo, GoPro or other high-value electrical items. Please read the policy to know you’re getting the right cover for your trip and activities.

Our Mountain bike holiday insurance at a glance

Our policies have all the covers you’d expect from top-notch travel insurance and cover almost all cycling activities. Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance , or we also offer a no strings attached rolling monthly cycle insurance.

Core travel section

Cycle specific covers, winter sports (annual only), whatever your needs, we have you covered.

mountain bike insurance

Single trip or an annual policy?

It is cheaper to purchase an annual policy if you plan to take a few trips over the course of a year, while still providing coverage for every race, and training camp you attend overseas.

Our annual policies also cover winter sports, so buying an annual travel insurance policy before your summer bike trip could save you the trouble of finding another insurer.

However, if you have ‘standard’ travel insurance for most of the year, but need a top-up for a training camp, then one of our single trip policies might be best.

Do you need competition cover?

Mountain bikers taking part in races and charity events will need to consider choosing a policy with competition cover. If you have a crash during a competition or are injured, you need coverage for liability and medical costs. Most other travel insurance suppliers exclude competitions, but it’s available with us, we even cover downhill mountain bike races!

We also offer you cover if you have to withdraw from an event, which prevents you from being out of pocket for expensive entry fees.

mountain bike travel insurance

Welcome to our mountain bike travel FAQ section

We can hopefully answer all your questions related to our travel insurance built for cyclists offered by Allianz. For customers with questions about other policies, you should go to the relevant product page or contact the team.

Mountain bike travel insurance predominately covers your medical expenses when travelling abroad. Amongst over things, it also covers costs if your trip is cancelled.

Mountain bike travel insurance does not, however, protect your bike. If you need cover for your bike, you can purchase our combined home & bike insurance , which bundles home and bicycle insurance under one roof. If you don’t qualify for our home insurance or prefer dedicated cycle insurance , we also offer this as an annual contract or on a no-obligation rolling monthly basis.

Yes, our travel insurance provides coverage for downhill mountain biking, including participation in competitive events, emergency medical care and repatriation.

The policy also covers emergency helicopter evacuation.

Our mountain bike travel insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains.

Yes, we want you to be able to enjoy the warm weather and beautiful roads during your training camp with confidence, so we’ll pay for your emergency medical costs and return travel if a sickness or accident prevents you from enjoying the trip.

Yes – When buying our travel insurance, be sure to choose Worldwide protection, which includes the USA.

If you don’t have any immediate plans to travel over the Atlantic, look at our European-only coverage, which is more affordable.

No – If you need cover for your bike, you can purchase our home insurance for cyclists , which bundles home contents, buildings cover (if you need it) and bicycle insurance under one roof.

If you don’t qualify for our home insurance or prefer cycle insurance only , we offer this either as an annual contract or on a no-obligation rolling monthly basis.

Yes. Our travel insurance is built to pay for unexpected medical needs. This is true for triathlons of any length and all types of bicycle racing, including mountain biking.

Our mountain bike travel insurance is built to cover repatriation costs due to injuries sustained while on holiday, even when riding or competing on your bicycle. 

If a serious injury prevents you from attending an event that you have entered, we offer entry fee cancellation coverage. Before the incident that prevents you from participating in your race, you must have taken out an insurance policy with us. Additionally, we need documentation of the injury from a licenced medical professional.

On a yearly policy, there is no cap on the number of trips. However, no journey may last longer than 60 days away from the UK.

Our annual multi-trip mountain bike travel insurance policy has a 120-day trip maximum, but you can take as many trips as you like during the year as long as no individual trip exceeds that length.

Our annual cover also includes winter sports coverage as an extra benefit. You can go for a maximum of 17 days per trip for winter sports holidays.

If you are planning an epic touring excursion, we might be able to assist with a personalised insurance policy, but you’ll need to give us a call.

Please remember that once you start travelling, we can’t provide you with extended cover.

Our MTB travel insurance covers up to five gadgets with a combined value of £2,000; this will cover any unintentional damage to your belongings while travelling or theft (e.g. from your hotel). The policy includes Garmins and also items like laptops, tablets, and cameras.

Please remember gadgets are not covered for damage while you are cycling. It’s best to look at the policy wording or call us if you are unsure.

We cover lots of of other sports – It is best to look at the policy wording for a complete list. 

Annual policies cover winter sports, so if you enjoy skiing or snowboarding over the winter, you won’t need to purchase an additional policy.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions .

If you have two or more conditions from the list below or a condition not on the list, the cover is excluded unless disclosed to the medical screening helpline, and the additional cover is agreed to in writing.

Automatically covered pre-existing medical conditions:

  • Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
  • Allergic rhinitis
  • Arthritis (the affected person must be able to walk independently at home without using mobility aids)
  • Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
  • Blindness or partial sightedness
  • Carpal tunnel syndrome
  • Chickenpox – if wholly resolved
  • Common cold or flu
  • Cuts and abrasions that are not self-inflicted and require no further treatment
  • Cystitis – provided there is no ongoing treatment
  • Diabetes (which is controlled by diet or tablets only)
  • Diarrhoea and vomiting – if wholly resolved
  • Enlarged prostate – benign only
  • Essential tremor
  • Haemorrhoids
  • Ligament or tendon injury – provided you are not currently being treated
  • Macular degeneration
  • Migraine – provided there are no ongoing investigations
  • Nasal polyps
  • Sinusitis – provided there is no ongoing treatment
  • Skin or wound infections that have entirely resolved with no current treatment
  • Underactive thyroid (Hypothyroidism)
  • Varicose veins in the legs

Our travel policy does not cover pre-existing medical conditions as standard. We offer a confidential, independent medical screening service to provide a top-up if you need cover for a pre-existing medical condition. Contact their helpline at + 44(0)1702 427 237.

After answering questions about your medical conditions, the screening service will confirm if they can cover them. They may need to charge a premium, and they will explain any additional requirements, such as an increased excess.

If the helpline can provide the additional coverage and you elect to purchase it, you must first buy our Pedal Cover cycling travel policy. You will supply the helpline with your Pedal Cover policy number. You will pay any premium for the additional cover directly to the screening helpline, not Pedal Cover.

Once the medical conditions are covered, the helpline will give you a screening reference number. The helpline will send a letter confirming cover, cost, and requirements. Please keep this safe as it is required in the event of a claim.

If you purchase our Pedal Cover travel insurance before speaking to the medical screening helpline, and subsequently, they cannot offer a top-up, or you are unhappy with the extra cost quoted, you can cancel your travel insurance with us. We will provide a complete, no-quibble refund within the first 14 days of purchase.

Yes, but the insurance will not provide coverage for any claims directly or indirectly related to the pre-existing medical condition.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions . If you have two or more conditions from the list or a condition not on the list, all pre-existing medical conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.

  • Diarrhoea and vomiting – if completely resolved

Yes, all medical emergencies and associated costs will be covered.

Yes, you must have gotten an inoculation or vaccination against Coronavirus as recommended by the World Health Organization or the health authority in your country of residency to be compensated for any expenses incurred from contracting the disease.

The above is true for every contagious disease for which the World Health Organization or your country’s health authority recommends an inoculation or immunisation. Travellers to portions of Sub-Saharan Africa and South America, for example, are advised to get a Yellow Fever vaccine, and you would need to show proof of this vaccination to submit a claim for any expenditures incurred as a result of catching the disease while on vacation.

Yes, as long as you’re all covered by our insurance and all asked to quarantine. To confirm the quarantine order, you must be able to present medical evidence from the treating doctor or the local authority.

If you’ve been diagnosed with Coronavirus and are unable to travel, you’ll be covered as long as your doctor confirms the diagnosis and your inability to travel.

The policy covers cancellation as long as you have documented evidence from your airline that you were denied boarding because you were showing symptoms of a contagious condition.

If you have a valid cancellation claim, the cancellation section will refund you for all non-recoverable fees, including Visas, but only for the length of your cancelled trip.

No, if the UK is put in ‘Lockdown’ once again, there will be no coverage under the insurance for cancellation claims.

No, any charges (accommodation/travel) incurred in the event that the country you are visiting is “locked down” would not be covered.

If you can show medical proof that you have been diagnosed with Coronavirus or have been directly exposed to Coronavirus, you will be compensated for any additional lodging or travel expenditures.

Any essential medical expenses, as well as any additional travel or accommodation charges, are covered under the medical expenses part of the insurance.

All insured persons are covered for quarantine under the medical section, which includes coverage for additional lodging and flights.

The policy will cover you if a close family is diagnosed with Coronavirus and becomes extremely ill, necessitating your presence due to medical reasons. Their doctor will have to sign off on this.

Your insurance will cover the cost of any additional lodging incurred while you are under quarantine based on your unique symptoms or probable COVID-19 exposure, but it will not reimburse any pre-booked lodging fees. If you have any unused pre-booked and paid for excursions that are non-refundable, your insurance will reimburse you less the standard policy excess if you can provide documentary evidence to support the quarantine order from either the government, a public authority in the country you are visiting, or the treating doctor.

If you travel somewhere that is against FCDO guidelines, you will not be covered.

If you bought your single trip travel insurance before the change in FCDO guidelines and have not yet left, your policy will no longer give any coverage. You have the option of deferring your policy’s coverage period or requesting a full refund of your money.

If you bought your single trip policy before the change in FCDO advise and have already left, full policy coverage will apply as long as you follow all UK, local government, or equivalent instructions.

If after looking through the FAQs you can’t find the answer you are looking for you can click our live chat open Mon to Fri from 9 am to 5 pm

travel insurance with mountain bike cover

Home & Bike Insurance

Dedicated cycle insurance, cycling travel insurance, health insurance, information, useful documents, claims information, our cycling blog, compare cycle insurance, home & bike insurance faqs, dedicated cycle insurance faqs, travel insurance faqs, health insurance faqs.

Sport Travelling

Mountain Bike Travel Insurance

Mountain biking travel insurance allows you to protect yourself during sports activities. Mountain biking is not only extreme, but also a great way to spend time in nature during your holiday. However, mountain bike racing involves high-speed descents and performing various tricks, making it potentially dangerous and requiring good protection. One of the best ways to ensure your safety is through downhill mountain biking travel insurance.

Tips for Athletes

A man on a mountain bike wearing a helmet, green T-shirt and blue shorts makes an extreme descent down a winding narrow trail between trees

Mountain biking is becoming increasingly popular as an active recreational activity. It is an exciting pursuit that requires good physical fitness, concentration, and attentiveness. To avoid injuries and enjoy bike racing, consider the following important tips:

  • Before heading to the mountains, prepare and check your equipment. Make sure your bike is in good condition and suitable for your level of preparedness. Purchase the necessary gear, such as a helmet, protective goggles, gloves, knee pads, elbow pads, and other accessories to help prevent injuries.
  • Mastering mountain biking techniques is also crucial. Learn basic skills such as fast and slow braking, jumps, and turns. Learn to distribute your weight correctly on the bike and assume the proper position during ascents and downhill.
  • Research and plan your route in advance. Consider your level of preparedness and the terrain conditions when planning your itinerary. If you’re a beginner, avoid dangerous routes, even if they seem very appealing.
  • Do not forget about the safety of others on the trail. Yield to pedestrians and cyclists, avoid excessive speeds, and refrain from risky maneuvers on crowded routes.

Insurance Features

Tourist insurance for mountain biking provides protection against unexpected expenses related to hospitalization and medical treatment. There are also additional insurance programs available. For example, the best tourist insurance that includes mountain biking coverage offers coverage for accidents, hospital evacuation if necessary, and assistance in case of gear loss or theft.

For more advanced mountain biking, athletes can top up their existing insurance coverage and include desired services.

a man on a bicycle rides along a green mountain path with a gorgeous view of the forest and mountains

Before purchasing worldwide travel insurance for mountain biking, make sure it meets the individual needs and budget of the traveler. For example, a mountain biking trip to the Alps will cost more than a trip through regular terrain.

The most popular places for cycling sports are the United States, Canada, Australia, New Zealand, the United Kingdom, and other European countries. They offer optimal conditions for bike travel. Let’s consider the features of mountain bike travel in different regions:

The best travel insurance for mountain biking can be obtained in various options. For example, annual travel insurance allows you to travel at any time of the year and for any distance. It can be for a single trip abroad or a family vacation. Short-term policies cover a specific period (usually one trip or one month).

Family travel insurance for mountain biking offers individual protection for each family member and provides significant savings. The insurance company offers online comparison of travel insurance policies, allowing customers to choose the optimal option for affordable insurance and read reviews from other people.

A man on a black bicycle with a red rim, wearing equipment and a helmet with an action camera, goes down the rocks on a forest trail

Therefore, travel insurance with mountain bike cover helps athletes feel more protected during extreme downhill or mountain races.

The price of travel insurance for mountain biking can vary depending on several factors, including the destination, trip duration, athlete’s age, health condition, etc. It is recommended to compare available insurance offers and choose a suitable option for your individual needs.

Insurance typically includes coverage for medical expenses in case of injury, loss or damage to the bike, as well as evacuation of the injured party.

Standard travel insurance policies usually do not include such equipment in the coverage list. Therefore, if you plan to use a mountain bike during your trip, be sure to specify it when applying for mountain bike travel insurance.

Sport Travelling

Are you covered? | 5 things to consider when shopping for mountain bike insurance

Unfortunately, things happen out mountain biking. As I’m typing this, my hand is sore because a bit of leaf litter on the crux of a feature I’ve ridden millions of times sent me careening off trail and over the handlebars.

While I came up laughing this time, it could have been a whole lot worse for my body and bike. Had that happened, there would have been several phone calls and emails exchanged with insurance agents to try and recoup some costs.

But it’s not just on the trail; we’ve had bike bags appear from the oversized luggage doors with giant holes in them, seen them bouncing down the highway after falling off of car racks, and we also know a few folks whose packed up bike boxes have disappeared from European train stations.

  • Best upgrades for your mountain bike | How to get the most out of your current bike
  • Flow’s top 10 tips for buying your first mountain bike
  • Break one get one free | Is no questions asked crash replacement too good to be true?

Airport travel with bike bag

Insurance is one of those things you lament when the policy renewal hits your inbox but are thankful for when you need it. That is until you try to claim something that is explicitly excluded because you missed one line in Appendix S in the Product Disclosure Statement.

Insuring your mountain bike can be tricky at the best of times, and even with bike-specific policies, figuring out what is actually covered can feel like you need to have legal counsel reading over your shoulder. When you throw travel and racing into the mix, the complexity, exclusions and excesses increase tenfold.

A lot of folks have their mountain bike insured as removable items on the home and contents insurance; there’s also bike-specific coverage out there. BUT — and this is a big one — even when you think you’re covered sometimes, buried deep inside the appendices and add-on policy wording sometimes has a caveat that allows the provider to deny your claim and hang you out to dry.

Everyone’s situation is different, and we can’t provide advice or point you towards a specific policy or provider that will have you completely sorted. However, having navigated this ourselves on a few occasions, here are a few things to keep an eye out for when it’s time to renew your insurance.

Mountain bike travel

Is mountain biking covered?

The key, a-number-one, most vital thing to take into account is to ensure that mountain biking is actually covered under your chosen insurance policy.

While some home and contents insurance will cover your mountain bike away from the home, it’s extremely common for loss or damage while it’s being ridden or in use not to be covered. Others will offer coverage while in use but have exclusions for racing.

Even if your bike is covered by a home or contents insurance policy, sometimes they will only pay out as little as $500 or $1,000 AUD for a bike, unless you specify it as a removable item in the policy and attach a dollar value.

Bike insurance

Worse, some bicycle and cycle cover add-ons have wording that specifically excludes loss or damage from, “any off-road riding on loose or severe terrain or surfaces,” “any riding over jumps, ramps or other obstacles,” or “performing tricks or stunts.”

If you are looking into bike-specific insurance, sometimes there is wording that applies additional excesses or exclusions for carbon fibre, batteries, upgraded parts or accessories like your Garmin or Wahoo computer — those things ain’t cheap, and they are often the first thing to disappear in a crash.

When it comes to travel insurance, there may be similar exclusions for extreme sports, an umbrella which mountain biking usually falls under in the eyes of an insurance company. Sometimes, there is an extra or add-on that will increase the premium or excess by a bit for coverage while riding.

When in doubt, never make assumptions, ask questions and be sure things are explained completely and in plain English.

wahoo elemnt bolt gps v2

Is your location covered, and what about in transit and travelling?

Usually a policy will lay out pretty clearly the boundaries of its coverage. Obviously for policies purchased in Australia, you are covered for….well… Australia. Some will even cover New Zealand and transit across the Tasman Sea. A number of products we’ve come across have carve-outs for riding in North America, so if you break yourself or your bike at Whistler or checking out trails in Marin County, you could be SOL. When in doubt, contact your insurance provider, and it never hurts to get things in writing, either.

Keep an eye out for lines about loss or damage in transit. Some policies won’t cover your ride if it’s lost or damaged in transit through the post, commercial courier, or other similar commercial service. Others will specify that coverage only extends to a bike in transit while it’s contained inside a vehicle or aeroplane, meaning it’s the Wild West attached to roof racks or on a shuttle trailer.

Bike insurance shuttles

When it comes to bike-specific insurance, your bike needs to be locked in a secure space and/or with an approved lock. If your garage does not lock — like most that use an electric opener — it often isn’t considered secure in the eyes of many insurance companies, and so you may need to have your bike locked — with an approved lock — inside your garage to abide by the terms of the policy.

Is mountain bike racing covered?

When you sign up for a race in Australia, you’ll need an AusCycling licence. Attached to this is public liability and personal accident insurance that is valid everywhere in the world except the US and Canada. This coverage extends beyond just racing and will back you out riding recreationally and, of course, riding on the road, commuting or anything else.

However, most other insurance will have wording that excludes coverage for incidents, damage and loss that occur during racing without the purchase of additional coverage.  Sometimes the wording is vague enough that any event, even something non-competitive like Ignition Mountain Bike Festival might not be covered. This includes travel insurance. Again when in doubt, ask questions and get answers in writing.

Bike racing insurance

Professionals, brand ambassadors and bike industry folk

Did you get a screaming deal on a bike because you do huge numbers on Instagram, and your TikTok sketches are so on point Mr Beast is ringing you up asking for tips? Or maybe you finally scored a deal to race for your local shop, and they provided you with a bike to take on the big dogs in the National Series. Heck, maybe you work in a bike shop and pulled some strings to get a new ride at 30% off wholesale.

If this is you and you’re hoping to take out insurance on this sweet ride just in case, you’d better read your policy VERY carefully. Several of home and contents and bike-specific policies won’t cover a bike you paid less than 50% of the retail price for, or if they determine you are a sponsored rider — and yes, it is a safe bet the person assessing your claim will Google you and look at your social media.

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The other common exclusion is if you use your bike for work. Do you run a guiding business or coaching as a side hustle that sees you riding your bike? Well, your bike may need to be insured as equipment under your business insurance, as many policies have wording that excludes coverage for bikes used for any commercial activity.

Ambulance cover, Income protection, Personal Accident and Public Liability

While this quartet of coverages may not be specific to mountain biking, each is worth of consideration if your looking at insurance.

Mountain biking is an inherently dangerous sport and there is a distinct chance you may see the inside of an ambulance at some point in your riding career.

If you live in Queensland, you’re in luck. The State Government provides ambulance cover to all its residents whether you go for a ride within the borders of the Sunshine State, or anywhere else within the boundaries of Australia. If you are not a Queensland resident and need a ride to the hospital while visiting the state, you will be responsible for the cost of the ambulance, as at the time of writing, there are no reciprocal agreements between the QLD Ambulance service and interstate providers.

The Tassie State Government also provides ambulance cover for its residents; however, there are a few caveats. In WA and ACT, you have partial cover, while in SA and QLD, you’re on your own. Everywhere else in the country you’re covered.

Mountain bike personal accident insurance

For anyone else, ambulance cover is an excellent idea to have as the call fee alone can be north of $1,000 AUD.

The same goes for income protection and public liability insurance. So if you’re hurt riding and are unable to work, or something you do on the bike causes someone else to be hurt or damage something — say someone else’s bike or you crash into a car, you won’t be stuck with the cost.

As we mentioned above, an AusCycling licence has this coverage built in. However, this type of coverage can also be obtained through third-party outfits.

Insurance and mountain biking aren’t typically things we’d group together, but given how quickly things can go wrong, and how litigious some folks are it’s a good idea to take these things into consideration.

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travel insurance with mountain bike cover

Mountain Biking Travel Insurance

£10m emergency medical expenses - search and rescue included and £2m personal liability standard on ALL policies.

A GUIDE TO OBTAINING A QUOTE and PRE QUOTE INFORMATION -  questions answered

please ensure you select the correct activity level  for the sports you are insuring and that you insure the full duration of your trip from the UK including departure and return dates on your Snowcard policy - for downhill skiing you will need at least Adventure Plus or Max Adventure for snowboarding

If you have any questions or need guidance on selecting your policy - email [email protected]

N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing , you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations , please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover  (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact  https://www.biba.org.uk  for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

Mountain Bike Travel Insurance

Snowcard are pleased to offer mountain bike travel insurance, discover our mountain bike holiday insurance  - perfect for your exhilarating mountain biking adventures!

Mountain biking has seen the biggest growth in mountain sports in recent years and increasingly more Snowcard clients each year head to the Alps and further afield with their mountain bikes after they have packed away their skis and boards for the summer months. 

Whether you are a trail rider or a downhill adrenalin junkie, in the event of an accident Snowcard has you covered. We provide specialist downhill mountain bike travel insurance tried and tested over many years. Whilst ordinary travel polices might cover cycling, most don’t cover specialist mountain bike activities.

Snowcard has been providing specialist adventure activity holiday insurance since 1990 and it’s safe to say that we have the experience and truly understand our customer’s requirements when it comes to mountain bike insurance. 

Before you set off on your mountain biking holiday adventure please be sure to check our full range of activities covered for more information as we offer the following 5 cover options;

  • Adventure basic
  • Adventure plus
  • Max adventure
  • Extreme adventure
  • Pro adventure

Each level will cover progressively higher risk mountain biking and holiday sports activities. For instance, if you are taking part in amateur competitive events, downhill, or dirt jumping, then you would need to select either extreme or pro adventure cover. Use the 'find my level of cover' tool above to select the correct policy option.

Mountain Bike Holiday Insurance Why Do I Need It?

As we all know mountain biking is a high-speed high-adrenaline sport over rugged and rough off-road terrains and there are many associated risks of injury and accidents. Unfortunately, collision and crashes can happen mountain biking and we see more claims from mountain biking than any other sport. These might include shoulder and arm injuries, back and head injuries and pretty much every other part of the body! With typical claims exceeding £1500 travel insurance is vital but our mountain bike travel insurance also covers search and rescue and repatriation which cheaper or general policies will not include. 

With mountain biking travel insurance from Snowcard, you can enjoy your adventure with peace of mind and security that the UK’s longest established specialist provider of mountain bike holiday insurance insures you.

Snowcard policies are completely flexible and we provide you with the freedom to tailor your policy and select your own sums insured including your bike. But more importantly, all Snowcard policies come with a 24/7 specialist worldwide emergency service. Together we provide all of our customers with a personalised and tailored service to ensure that we have the right mountain bike holiday insurance for you.

We also provide cover for a range of other cycling activities such as cycle touring, for more information visit our cycling travel insurance page.

Mountain Biking Top Worldwide Destinations

If you're new to mountain biking or maybe just looking for some inspiration for your next adventure, then be sure to have a look at 5 of the most incredible places to ride according to Redbull.

From the giddy high of Saint-Luc, Switzerland, through to the rocky peaks and glaciers of the Tarentaise valley in France, your next mountain biking adventure awaits!

Finally, remember your mountain bike holiday insurance, and insure your adventure with Snowcard.  At Snowcard we also offer downhill mountain bike insurance and also downhill mountain bike travel insurance, explore our services today .

If you would like to find out further information about our mountain bike holiday insurance then please get in touch with Snowcard by using our contact form or by email . We would be more than happy to answer any queries or questions you may have about our mountain bike travel insurance. 

Enjoy Your Adventure!

What mountain bike insurance do i need.

Snowcard Insurance have specialist mountain bike travel insurance for a wide range of mountain biker needs.

We offer specialist emergency and rescue expenses cover for the following MTB activities:

Mountain biking – cross country and trail riding.

Mountain biking – all mountain, downhill, enduro, freeride and dirt jumping., mountain biking on high altitude trails (e.g. himalayan or alpine destinations over 3000m)., why use a specialist mountain bike travel insurance provider.

There are considerable high risks with mountain biking including collisions, crashes and accidents. Injuries to the head and upper limbs are a common occurrence but mountain bikers are susceptible to potentially expensive and life changing injuries.

A specialist travel insurance provider will cover you for injuries you sustain whilst mountain biking and importantly include search and rescue as well as repatriation. A standard travel policy will not cover you for most higher risk situations that will occur when you are mountain biking and it is unlikely the claims handlers will have the necessary expertise to deal with more complex situations in mountain resorts. 

A specialist Snowcard policy will offer you the insurance protection you need.  Snowcard cover has been tried and tested for 30 years with a claims service geared up to respond in a crisis including 24 hour assistance from International Medical Rescue.

Travel Insurance Mountain Biking What’s Covered?

see all activities covered

  Call us on 01494 484800 Open Mon - Fri | 9:00 - 5:30

Award-Winning, Flexible

DOWNHILL MOUNTAIN BIKING INSURANCE

  • Worldwide Protection available
  • Optional Sports Equipment cover
  • UK's leading sports insurance provider

Buy your Downhill Mountain Biking Insurance in minutes

10% OFF ONLINE*

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Our Downhill Mountain Biking Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our worldwide Downhill Mountain Biking Travel Insurance can cover you whilst cycling abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank, but it does not include cover for Downhill Mountain Biking, we can provide a bolt-on style of protection under our Activity TopUp policy.

3. Sports Accident

Our Sports Accident Insurance is designed to protect you for Downhill Mountain Biking in the UK. Our policy provides personal accident, and if selected, can include additional Income Protection.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Downhill Mountain Biking Insurance

Join thousands of sports enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose us

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What makes our policy different?

Our Downhill Mountain Biking Insurance will protect you whilst participating in the sport abroad and even in the UK.

If you are setting off overseas, our Sports Travel Insurance will not only cover medical expenses, mountain rescue, and repatriation home, but will also protect any lost, stolen or damaged bike equipment whilst on your trip.

If you are mountain biking in the UK, our Sports Accident Insurance could provide you with a lump sum payment if you suffered a serious injury whilst riding, in addition to other benefits like income protection and personal liability cover.

Make sure to get your Downhill Mountain Biking policy before you hit the mountain trails.

Downhill Mountain Biking Insurance - Benefits r

Key benefits of our policy

From covering medical expenses to protecting your bike should it get stolen whilst you’re on holiday, our Downhill Mountain Biking Travel Insurance provides comprehensive cover. 

  • Emergency Medical Expenses & Repatriation
  • Cancellation & Curtailment
  • Personal Accident cover
  • Personal Liability
  • Delayed, lost or stolen baggage
  • Activity & Race Entry Fees
  • Sports Equipment

Frequently Asked Questions

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover as an optional add-on. This not only protects your equipment but also any gear you hire during your trip. It also covers your biking equipment in transit to and from your destination.

Yes, our Downhill Mountain Biking Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our Downhill Mountain Biking holiday insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

Get an instant quote and buy  online now!

travel insurance with mountain bike cover

More From Forbes

How to save money on travel insurance if you’re over 60.

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Getting travel insurance when you're over 60 can be hard. Here's how to make it easier.

Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.

"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.

It's not just his imagination.

"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR .

Age is more important than ever in travel insurance

You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.

Last year, when Travelex Insurance Services launched its new line of travel protection plans , it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.

"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.

In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.

Netflix Is In A Bind With 3 Body Problem Season 2

Google suddenly reveals surprise android update that beats iphone, ukraine has developed 15 kinds of long range strike drone and has sortied them against russia s oil industry, what is age-band pricing in travel insurance.

Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US , says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.

"It provides a fair and balanced approach to travel insurance," she says.

Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.

"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.

That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.

"Never purchase based on price alone," says Robert Gallagher, USTIA's president.

Your travel insurance rates may vary

Pricing travel insurance based on age makes sense, say experts.

"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care .

How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same insurance policy, according to Joe Cronin, CEO of International Citizens Insurance .

"Fortunately, there are more affordable options for seniors who are more budget-conscious," he says.

How to lower your travel insurance rates if you're over 60

"The easiest way to lower your costs would be to Benjamin Button it and get younger," jokes Michal Wieczorek, global client relations and intelligence specialist at Insured Nomads .

Seriously, though, he says choosing higher deductibles and lower medical maximums can cut your insurance costs. He says some insurers specialize in benefits for older travelers but cautions buyers to be careful.

"Read the fine print, because certain benefits may decrease or be eliminated above certain ages, especially things like accidental death and dismemberment and evacuation benefits," he adds.

There's a difference between retail travel insurance and group insurance, adds Dan Skilken, president of Tripinsurance.com.

"Retail travel insurance policies are price-sensitive based on age, trip cost, and the length of the trip," he says. "Commercial policies sold through cruise or major tour companies are generally not priced based on age."

In other words, sometimes older travelers can get a better price going through the cruise line or tour operator for travel insurance. But here again, buyers need to be careful, he adds, since some of those policies may lack essential coverage.

How one customer saved money on travel insurance after age 60

Dzurick says he's not deterred by the higher rates because he knows the value of travel insurance.

"For me, one way to save on travel insurance is to get a separate medical rider covering only the basics," he says.

A bare-bones policy would cover only essential items like medical care when you're abroad and emergency evacuation, but would omit some of the other features of travel insurance like coverage of lost luggage or trip interruption.

There's another method Dzurick likes. He checks with his employer-provided insurance to see if it will offer coverage.

"My former employer recently changed insurance plans for retirees, and it turns out the new policy provides coverage worldwide," he says. "So there's no need for any additional coverage."

Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of travelers.

"You can also take a fixed benefit option which offers lower payments, but still has evacuation benefits," notes Rao.

Cronin says there are budget-friendly options for U.S. seniors traveling outside the U.S. He likes Trawick Safe Travels USA Comprehensive Insurance and Atlas Travel Medical, both of which offer affordable options for seniors traveling to the U.S.

Another travel insurance hack: the two-policy option

Another way to get affordable coverage with a decently high policy maximum if you’ve aged out of the coverage you prefer is to purchase two travel medical insurance plans, according to James Nuttall, general manager of Insubuy .

"Each plan is considered secondary to the other, and they can share the load for claims involving large medical expenses," he explains.

For instance, a plan offering $250,000 worth of coverage may not be in the budget for your age group. But two plans offering $100,000 worth of coverage each might be.

"Just keep in mind that each plan must be from a different insurance company," he adds. "You can’t just purchase two of the same plans."

Pro tip: If you decide to go down this road, work with an experienced travel advisor who knows how two insurance policies would work together.

Other ways to save money on travel insurance if you're over 60

There are other ways to save money, according to Daniel Durazo, director of communications at Allianz Partners USA .

Consider an annual travel insurance policy

Purchasing an annual travel insurance policy can be a smart choice for those who have more than three trips planned in a year, says Durazo. Unlike a one-trip plan, an annual plan protects all of your trips in a 365-day period, which can save you money, rather than insuring each trip separately. Annual policies are sometimes offered at a flat rate, meaning your cost may not increase with age and trip cost.

Buy a plan that includes more

For example, some travel insurance policies include children at no additional charge. That includes Allianz’s OneTrip Prime and OneTrip Premier, both of which cover children aged 17 and younger when traveling with a parent or grandparent.

Focus on trip cancellation benefits for U.S. trips

Durazo says trip cancellation benefits may cover the cost of canceling your trip if you encounter a situation covered by your policy. These benefits can reimburse you for prepaid, nonrefundable trip costs if you have to cancel your trip at the last minute for a covered reason. They're among the most frequently used benefits for U.S. trips (often, medical expenses are covered by your health insurance plan).

Get a plan with post-departure benefits if you're going abroad

Post-departure benefits can kick in as soon as you begin your trip. They can include coverage for travel delays, baggage loss or damage and baggage delay, according to Durazo. It can also include emergency medical and emergency transportation benefits, which are highly recommended for overseas travel.

Age-band pricing is more pervasive than ever in travel insurance. If you're headed somewhere this summer, make sure you know all of your options before you buy a policy.

Christopher Elliott

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Moscow Bike TOur

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Description

Highlights:.

  • Find adventure at every turn
  • Take pride in covering Moscow in record time
  • Enjoy the icons in style
  • Explore off the beaten path routes of Moscow
  • Expert commentary as you travel around the city
  • Test your nerve, driving on crazy Russian roads
  • Get an Endorphin Rush
  • Savour delicacies from different regions of Russia in a traditional restaurant

Only in Moscow for a short time and want to get the most out of the city and have fun? Then a 3-hour bike tour in Moscow is what you need! You won’t hear much about Russian history or become an expert on Russian art, but you will experience all the rest of Russian culture! This tour gives you a unique perspective of a little bit of everything in 3 or 5 hours: must-see tourist sights, local hangouts, Russian food, a glimpse of the modern Moscow life, amazing photo opportunities, a bit of Russian history, and a lot of fun!

This is a great opportunity to cut the usual all day tour down to only 3 or 5 hours and get the most out of the city while having fun and being fit in the greatest locations around Moscow!

A bike trip is sure to capture your heart. It enables you to see the heart of Moscow within the Boulevard Ring and to explore some non-touristic areas of the city, to get an image of the city centre and to work out at the same time.

Our tours differ and depend on whether you are interested in city scenery or nature-like landscape. A variety of places in Moscow are great for riding a bike: these are large parks, yards with old mansions, and historical streets in the centre.

Let’s see what’s waiting for you!

Here are 4 suggested itineraries for a 3-hour tour:.

Moscow Bike Route #1

St. Basil's Cathedral, GUM, Kazan Cathedral, State Historical Museum and Lenin's Mausoleum

Revolution Square and Theatrical Square

Bolshoy Theatre, Metropol Hotel, Chinese Wall, State Duma of Moscow

Alexander Garden

The Tomb of the Unknown Soldier, fountains, the Grotto, Central Exhibition center, Kutafya tower, Kremlin wall and towers

Historic City Center

Tverskaya street with its beautiful historical architecture, China town (Kitai-gorod), an old historical area of Moscow

Beautiful  City bridge  leading to  Gorky Park  with scenic views of  Christ the Savior  cathedral and the Moscow River. Explore all the beauties riding a bike along the riverside pathways.

Sculpture Park

Peaceful  Crimean embankment  is one of the quietest area of Moscow city with painters' works at the  Vernisage , close proximity to new  Tretyakov Gallery  and good views of  Christ the Savior Cathedral ,  Peter the Great  monument and the Crimean bridge.

Delicious lunch at a café/restaurant

Arbat street + Stalin Skyscraper

The  Arbat  has existed since at least the 15th century and is proud of being the oldest surviving street of the Russian capital. Nowadays, it is now an entertainment and event mecca for Muscovites and tourists alike.

Victory park

Get thrilled with 142 metres  Obelisk  and  Victory Park museum , which is an open-air museum dedicated to the Russian victory of 1945, built in 1995 to celebrate 50 years of victory

Moscow Bike Route #2

Pyatnitskaya street - the Tretyakov Gallery - Luzhkov Bridge - the Cathedral of Christ the Savior - the Gogolevsky Boulevard - the Nikitsky Boulevard - the Tverskoy boulevard - Teatralnaya street - the Bolshoi Theatre – the Kitai - Gorod - Red Square and GUM store - the Bolshoi Moskvoretsky Bridge

This route is the best one if you want to see the heart of Moscow. It goes right through the major places of interest and touches upon the most exciting and vibrant areas of Moscow such as part of the Boulevard Ring, which is absolutely loved by everyone.

Cozy streets of Zamoskvorechye will never leave you indifferent. This district has a long and vivid history and is full of old baroque houses along with Stalinist buildings. It includes three theatres, three museums and sixteen churches.

Back in the 18 th century Zamoskvorechye was known as a quiet, country-like land of single-storey houses and conservative businessmen. It remained country-like and is much more filled with business than before, as this area is just right in the city centre.

You’ll learn:

  • what was previously on the site of the Novokuznetskaya metro-station;
  • names of four abandoned metro stations and how to find these stations;
  • what is the oldest bridge among all the bridges in Moscow;
  • how old was Pavel Tretyakov when he decided to collect paintings, that are now exhibited in the Tretyakov gallery;
  • what does the real form of the Boulevard Ring in Moscow look like;
  • what tricks did the Russian government used to save the houses and buildings from bombing during the World War II;
  • what unofficial name the Bolshoi Moskvoretsky bridge has

Moscow Bike Route #3

View over the Kremlin - The Luzhkov Bridge –  The Strelka Institute –  The Muzeon Park –  The Gorky Park –  Neskuchny Garden –  Sparrow Hills –  The Luzhniki Stadium -  Novodevichy Convent – The Arbat Street – The Gogolevsky boulevard - The Cathedral of Christ the Savior –  The Bolotnaya Square

This route includes the most popular city-sights and goes along the Moskva-River. It starts with an observation point, from which you may enjoy the view over the Kremlin, and covers all the most beautiful green areas of Moscow. Historical sites are included into the route so you can feel the historical vibes of ancient Moscow.

  • where is hidden an island Moscow;
  • where in Moscow you can get printed music of the most sweet masterpieces like “Chocolate waltz” and “Cake-gallop” along with a box of chocolates of the 18 th century;
  • why the Luzhkov bridge is also called “the bridge of kisses”;
  • the place where the famous Olympic symbol – the Olympic Bear of the Olympics-1980 was flown from;
  • the stage where Rolling Stones and Madonna performed when they came to Moscow;
  • why the Krymsky bridge was Stalin’s favourite bridge and what musical instrument it represents;
  • where living statues in Moscow could be found in 1740s;
  • myths and legends about inhabitants of the main building of Moscow State University;
  • story about why Sparrow Hills were called that way;
  • how Napoleon was cheated when he was going to burn down the Novodevichy convent;
  • what was supposed to be on the site where the Cathedral of Christ the Savior is now;
  • why Moscow was nearly burnt down in the 15 th century and which role the Arbat street played in it.

Moscow Bike Route #4

Starting with wide area of the VDNKh, you are to learn interesting and fun facts about this spectacular part of Moscow.

  • where is a hidden the secret bunker under Moscow (and no, it’s not a famous Bunker 42 everybody knows about;
  • why the number of golden statues at the fountain is more than the number of Soviet republics, although it is said to correspond them;
  • why one of the Stalin statues was called “matryoshka” (Russian doll);
  • what was Picasso’s favourite statue at the exhibition in Paris in 1937.

You’ll see:

  • the world’s first light-music fountain that was built in 1950-1954;
  • pavilions that symbolize Soviet republics;
  • the Botanic garden which is twice as big as the Principality of Monaco;
  • the largest green-house in Europe (for the opening day in 1945);
  • English garden at the Ostankino mansion;
  • Ostankino Tower, one of the tallest structures in Europe;
  • the most beautiful flowers in hidden places of the parks.

Biking through VDNKh, Botanic garden and the territory of the Ostankino park will definitely be appreciated by nature-lovers and all those who are keen on speed, who knows no limits and want to explore off the beaten path of Moscow.

We can customize your bike adventure to meet your individual interests.

Our bicycle tour in Moscow gives you a chance to have a s pectacular ride  with  wonderful photo opportunities  and an  unforgettable cultural experience!

What you get:

  • + A friend in Moscow
  • + Private & customized tour
  • + An exciting tour, not just boring history lessons
  • + An authentic experience of local life
  • + Flexibility during the tour: changes can be made at any time to suit individual preferences
  • + Amazing deals for breakfast, lunch, and dinner in the very best cafes & restaurants. Discounts on weekdays (Mon-Fri)
  • + A photo session amongst spectacular Moscow scenery that can be treasured for a lifetime
  • + Good value for souvenirs, taxis, and hotels
  • + Expert advice on what to do, where to go, and how to make the most of your time in Moscow

*This tour can be modified to meet your preferences

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COMMENTS

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    Standard travel insurance usually only covers you for leisure cycling. It won't cover cycling holidays or other types of cycling. The single-item limit on standard policies may not cover the cost of your bike if you needed to claim for it. Activities like mountain biking may be covered by adding 'extreme sports' cover to your travel policy.

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